Overthinking. Both are ways of buying a little of each pattern in a collection. But, is that the kind of stash you want? I have both 5" and 10" stacks, but not many. I actually started buying fat quarters. I have graduated to buying 2 & 3 yd cuts! Just buy what you like. And set a budget for yourself. Scour sale racks, you will be amazed at how easily you can add to the stash on a budget!